How we work out your health insurance renewal premium
Our renewal prices are clear and easy to understand
Want to know how we work out your renewal price? It’s simple. We use our unique A, B, C formula:
A for Age
Like all insurers, your price goes up slightly with every year you age. Because the older you get, the more likely you are to claim.
B for Base increase
Healthcare costs can go up each year. The ‘base increase’ reflects these rising costs, including increases in the price of treatments, drugs and hospital fees (medical inflation), as well as the cost of managing your plan.
C for Claims
We adjust your price based on the claims you’ve made. How much we adjust it also depends on how much you look after your health*
*Claims made under the Worldwide Travel Cover and Optical, Dental and Hearing Cover are not included in the A, B, C calculation. The price of these modules is based on the total claims made by all members with these cover options.
How healthy habits can help lower your renewal price
When you look after your health, we think it's right to reward you. So, the higher your Vitality status, the lower your renewal premium can be.
With us, you earn Vitality points for doing healthy things, like having a yearly health check and tracking your daily activity - such as walking, running, cycling, swimming and going to the gym.
Here's how many points are needed for each status:
| Status | Points needed (Single plan) | Points needed (Joint plan) |
|---|---|---|
| Bronze | 0 | 0 |
| Silver | 800 | 1,200 |
| Gold | 1,600 | 2,400 |
| Platinum | 2,400 | 3,600 |
Frequently asked questions
Here are a few of the questions we've answered for our members
Call us on 0330 678 3326
Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open: Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm Closed: Sunday and bank holidays.
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